Don't understand "First Interrogatories" letter
Hi.. I received a summons re: a past credit card that was charged off by a lawyer stating he is representing the card company. I first sent back (certified mail) a request for him to validate the debt. I had pulled my credit report after getting the summons. I also sent the credit reporting agency a dispute via certified mail re: this and other accounts that I disagreed with the balances. This particular card I was told by the original creditor was being charged off and they were extremely rude and told me to tell my reasons for the delinquency to the judge. Years later, I out-of-the blue get this summons. I sent an amended response to the clerk of Superior court and the lawyer answering the allegations in greater detail. I had even purchased Credit Protection on this card when it was opened. When the payments got behind, they told me it couldn't be inacted because it was so behind. I now received this first interrogatories letter (regular mail--even though, I've asked that all correspondence be certified mail since they alleged I won't respond... I haven't even received anything prior from this lawyer or the original company in two or three years). I don't know what I should do because I really don't understand the wording. My husband and I paid to consult a lawyer about possible bankruptcy in Feb. But, we've been trying to handle things without doing that. The lawyer we saw seems more interested in just having us file. I've heard horror stories about debt companies. But, I'm feeling scared. This lawyer said I could call and still settle this debt without further litigation... but, the amount he is requesting is more than 3 times the credit limit on the card. He (nor, the credit reporting agency) has actually validated the amount of this debt. I don't know what to do... Please help me...
